Financial Blueprint

What is a Financial Blue Print? Just as before the start of any construction work for a building, a team of Architects and Engineers need to work out a Construction Blueprint for the builder to construct accordingly. Financial Blueprint set as a master plan for our Personal Financial Plan.


What do you get by charting your own Financial Blueprint?

  1. What you want?
    • Just like any other time you visit a professional, you need to find out what you want to achieve after the session. Eg. When you see a Doctor, you tell the Doctor your symptoms, Doctor will do some examinations or tests, diagnose and then prescribe you with suitable medication or procedure.
    • We shall discuss and guide you to discover your financial goal. This should be the first and most important step.
    • It could be:
      • Immediate (pay-off credit card debt, personal loan),
      • Short (vacation, new car & etc),
      • Medium (house, children’s education, retirement…),
      • Long or life-long goal (retirement lifestyle, legacy and many more).
  2. Your Current Situation
    • As we continue to work from day to day, month to month and year to year, how do we know what is my current standing? Am I doing better from time to time?
    • There will be a few reports at the end of the session such as:
      • Net Worth let us know, how well am I doing while accumulating my wealth.
      • Cash Flow Statement
        • With loan facilities such as personal loan, credit card and etc, it is possible for us to spend more than what we earn. Cash Flow Statement provides us with an overview whether we are having positive or negative cash flow.
        • Besides that, cash flow statement also allows us to understand our earning and spending behaviour. This will allows us to better plan our budget to achieve our financial goal.
      • Financial Ratios
        • This is like your Blood Pressure readings, Heartbeat Rate, Blood Profile, Cholesterol Level and etc.
        • It tell us how did our lifestyle contributed towards our financial health just like how our daily lifestyle contributed to our health. Are we having the right diet? Doing the right exercise?
  3. Your Risk Mitigation Plan
    • A complete plan must always come with a contingency plan. For financial plan, the contingency plan will be the insurance.
    • While many overlooked this, more are actually paying for the wrong plan and some overpay for unnecessary coverage. Risk Mitigation Plan shall be cost effective and help to mitigate the most likely to happen event first before going for luxury coverage.
  4. Any other things that are important to you..
    • There are other aspect of Financial Planning such as Estate Distribution, Debt Management, Investment Management (get your money to work for you) and we are always ready to assist.

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